A study of Pornchokchai (2010) points out the problems of social responsibility, where bank officers and managers embezzles money from banks and customers, banks increase fees for transactions without notification, customers complain about propriety of land after payments have been made, and senior executives change financial information for individual interests. Additionally, a study of Parkinson (Kittiwithayanan, 2010) also reveals that in the coming years, the trend of banks and financial officers will intensely embezzle. Moreover, the first interview with consumer experts (Vorlapanit, 2010) demonstrated the problems of social responsibility—that while banks promote many types of credit, they do not educate customers about financial planning or management and while bank customers are copied credit cards, banks do not take appropriate responses and while customers sign contracts, these contacts consequently are complained about as being unfair financial agreements. Furthermore, considering the perception of workers, a pre-survey of CSR in the banking business in Thailand (Vorlapanit, 2010) indicated that almost all bank officers understand the concept of CSR as a special part of work which is separate from daily work, while the officers are occasionally aware of CSR, especially regarding the time joining CSR activities.